Legal claims defining the scope of protection. Each claim is shown in both the original legal language and a plain English translation.
1. A method of issuing a virtual credit or debit card for a mobile subscriber comprising: performing the following operations using one or more computing systems: receiving a request to issue a virtual credit or debit card for a mobile subscriber and a current mobile telephone number for the mobile subscriber; querying a mobile service provider and/or a clearinghouse for mobile services for a current mobile subscriber identifier associated with the mobile telephone number; and comparing at least the current mobile subscriber identifier and a mobile subscriber identifier associated with the mobile telephone number to authenticate the mobile subscriber before issuing the virtual credit or debit card.
The invention relates to a method for securely issuing virtual credit or debit cards to mobile subscribers by leveraging mobile network authentication. The problem addressed is the need for a reliable way to verify the identity of a mobile subscriber before issuing a virtual payment card, reducing fraud and unauthorized access. The method involves receiving a request to issue a virtual credit or debit card, along with the subscriber's current mobile telephone number. The system then queries a mobile service provider or a clearinghouse for mobile services to retrieve the current mobile subscriber identifier associated with that number. This identifier is compared with a previously stored mobile subscriber identifier linked to the same telephone number to authenticate the subscriber. If the identifiers match, the virtual card is issued, ensuring that only the legitimate subscriber can obtain the card. This approach enhances security by using mobile network data to verify identity, reducing reliance on traditional authentication methods like passwords or security questions. The method is particularly useful in mobile banking and digital payment systems where quick and secure identity verification is critical.
2. The method of claim 1 , and further comprising: issuing a virtual card comprising at least providing a card number to the mobile subscriber based at least in part on the comparison.
Technical Summary: This invention relates to virtual card issuance systems, particularly for mobile subscribers. The problem addressed is the need for secure and dynamic virtual card provisioning based on user authentication and risk assessment. The system compares authentication data from a mobile subscriber with stored credentials to verify identity. If the comparison is successful, a virtual card is issued to the subscriber, including generating and providing a unique card number. The virtual card may be used for digital transactions, payments, or access control. The system ensures that only authenticated users receive virtual card credentials, enhancing security. Additional features may include transaction monitoring, fraud detection, and dynamic card number generation to prevent unauthorized use. The solution integrates with mobile devices, allowing seamless virtual card management through a mobile application or service. This approach improves security over traditional physical cards while maintaining convenience for mobile users.
3. The method of claim 2 , and further comprising providing an expiration date and security code for the virtual card.
A system and method for managing virtual payment cards involves generating a virtual card with a unique card number, expiration date, and security code. The virtual card is linked to a user's primary payment account, allowing transactions to be processed through the primary account while maintaining the security and flexibility of a virtual card. The system enables users to create, manage, and delete virtual cards, with each card having its own distinct parameters such as spending limits, merchant restrictions, and usage duration. The virtual card can be used for online or in-store transactions, with the system ensuring that transactions are authenticated and authorized based on the predefined parameters. The expiration date and security code for the virtual card are provided to enhance security and control over the virtual card's usage. This approach allows users to generate temporary or disposable virtual cards for specific transactions, reducing the risk of fraud and unauthorized access to the primary payment account. The system may also include features for monitoring and reporting virtual card activity, providing users with visibility into transactions and spending patterns. The method ensures secure and convenient payment processing while maintaining control over virtual card usage.
4. The method of claim 2 , wherein the virtual card is issued for a particular transaction.
A system and method for issuing and managing virtual payment cards, particularly for single-use or transaction-specific purposes. The technology addresses the need for secure, flexible payment solutions that minimize fraud risk by generating temporary virtual card details linked to specific transactions. The virtual card is issued with unique credentials, including a card number, expiration date, and security code, which are dynamically generated and tied to a particular transaction. This ensures that the virtual card cannot be reused beyond its intended purpose, reducing exposure to unauthorized use. The system may also include features such as transaction limits, merchant restrictions, and real-time monitoring to enhance security. The virtual card is typically linked to a user's primary payment account but operates independently, allowing for controlled spending and improved fraud detection. The method ensures that the virtual card details are securely transmitted to the user and the merchant, with all transaction data encrypted and authenticated. This approach provides a secure, convenient alternative to physical cards, particularly for online or contactless payments.
5. The method of claim 2 , wherein the virtual card is issued for a particular merchant.
A system and method for issuing and managing virtual payment cards, particularly for use with specific merchants. The technology addresses the need for secure, merchant-specific payment solutions that enhance transaction security and streamline payment processing. The method involves generating a virtual card linked to a user's primary payment account, where the virtual card is uniquely associated with a particular merchant. This association ensures that the virtual card can only be used for transactions with the designated merchant, reducing the risk of unauthorized use. The virtual card may include additional security features, such as one-time use restrictions, spending limits, or expiration dates, to further control its usage. The system dynamically generates and manages these virtual cards, allowing users to create multiple merchant-specific cards for different vendors while maintaining centralized control over their primary payment account. This approach improves fraud prevention by limiting exposure of the primary account details and provides merchants with a more secure and efficient payment processing solution. The method also supports real-time monitoring and transaction tracking, enabling users and merchants to monitor spending and detect suspicious activity. The system integrates with existing payment networks and financial institutions, ensuring compatibility with standard payment protocols while offering enhanced security and flexibility.
6. The method of claim 5 , wherein the merchant comprises a trusted merchant.
Technical Summary: This invention relates to secure transaction processing systems, specifically focusing on methods to enhance trust and security in merchant transactions. The core problem addressed is ensuring that transactions are conducted with trusted merchants to prevent fraud, unauthorized access, or other security risks. The method involves verifying the trustworthiness of a merchant before processing a transaction. A merchant is classified as a "trusted merchant," meaning it has been pre-approved or authenticated through a verification process. This verification may include checking the merchant's credentials, reputation, or compliance with security standards. Once verified, the trusted merchant is authorized to participate in transactions, ensuring that only legitimate and secure transactions are processed. The method integrates with a broader transaction processing system, where the trusted merchant status is used to determine whether a transaction should proceed. This step helps mitigate risks associated with untrusted or fraudulent merchants, enhancing overall system security. The verification process may involve real-time checks, periodic audits, or continuous monitoring to maintain the merchant's trusted status. By implementing this method, the system ensures that transactions are conducted with verified and reliable merchants, reducing the likelihood of fraudulent activities and improving trust in the transaction ecosystem. This approach is particularly useful in digital payment systems, e-commerce platforms, or any environment where secure merchant interactions are critical.
7. The method of claim 1 , wherein the request to issue a virtual card is made via a mobile application executing on the mobile subscriber's current mobile telephone.
A system and method for issuing virtual payment cards via a mobile application on a user's smartphone addresses the need for secure, convenient digital payment solutions. The invention enables users to request and receive virtual card credentials through a dedicated mobile app, eliminating the need for physical cards while maintaining secure transaction capabilities. The mobile application interfaces with a backend system to generate and transmit virtual card details, including a card number, expiration date, and security code, directly to the user's device. The virtual card can be used for online or in-app purchases, with transaction data processed through existing payment networks. The system may also support additional features such as spending limits, transaction alerts, and temporary card freezing. By leveraging the user's current mobile telephone, the solution ensures seamless access to virtual payment functionality without requiring additional hardware. The method enhances security by reducing reliance on physical cards and provides users with greater control over their payment methods. The invention is particularly useful in scenarios where quick, contactless payments are preferred, such as e-commerce, peer-to-peer transactions, or subscription services. The mobile app may also integrate with other financial services, such as account management or fraud detection, to provide a comprehensive payment solution.
8. The method of claim 1 , wherein the request to issue a virtual card is made via a website accessed using the mobile subscriber's current mobile telephone.
A system and method for issuing virtual payment cards via a mobile device addresses the need for secure, on-demand access to payment instruments without requiring physical cards. The invention enables a mobile subscriber to request a virtual card through a website accessed using their current mobile telephone. The virtual card is linked to the subscriber's existing payment account and can be used for online or contactless transactions. The system generates a unique virtual card number, expiration date, and security code, which are transmitted to the subscriber's mobile device for immediate use. The virtual card may include spending limits, merchant restrictions, or expiration dates set by the subscriber or the issuing financial institution. The system also supports multiple virtual cards per account, allowing users to manage different budgets or payment scenarios. Security features include real-time transaction monitoring, fraud detection, and the ability to instantly deactivate virtual cards if compromised. This approach eliminates the need for physical cards, reduces fraud risks, and provides flexible payment options for mobile users. The invention integrates with existing mobile banking platforms and payment networks, ensuring compatibility with current financial infrastructure.
9. The method of claim 1 , wherein the request to issue a virtual card is made via an SMS message using the mobile subscriber's current mobile telephone.
A method for issuing a virtual card via a mobile device addresses the need for secure and convenient access to financial services. The method involves generating a virtual card linked to a user's financial account, where the virtual card can be used for online or in-store transactions. The virtual card is issued in response to a request made through a Short Message Service (SMS) message sent from the user's current mobile telephone. The mobile device is authenticated based on the subscriber's identity, ensuring secure access to the virtual card issuance process. The virtual card may include unique identifiers such as a card number, expiration date, and security code, which are generated dynamically or retrieved from a pre-existing virtual card template. The method may also involve verifying the user's identity through additional authentication steps, such as entering a PIN or biometric verification, before issuing the virtual card. Once issued, the virtual card can be used immediately for transactions, with transaction details recorded and monitored for fraud detection. This approach eliminates the need for physical cards and provides a streamlined process for accessing financial services via mobile devices.
10. The method of claim 1 , wherein the request to issue the virtual card is made as part of or after a process to register the mobile subscriber.
A system and method for issuing virtual payment cards to mobile subscribers involves generating a virtual card linked to a user's mobile device, enabling secure transactions without physical cards. The process includes registering the mobile subscriber, during or after which a request is made to issue the virtual card. The virtual card is associated with a payment account and can be used for online or in-store purchases via the mobile device. The system ensures secure authentication, often through biometric or PIN verification, and may include transaction limits or fraud detection mechanisms. The virtual card can be stored in a digital wallet or mobile payment app, allowing users to make payments by tapping their device or entering virtual card details. This method enhances convenience and security by eliminating the need for physical cards while maintaining transaction integrity. The system may also support multiple virtual cards per user, each tied to different accounts or spending limits. The registration process may involve identity verification, device binding, and account linking to ensure authorized access. The virtual card can be used for peer-to-peer transfers, bill payments, or merchant transactions, with real-time balance updates and transaction history tracking. The method improves financial accessibility and reduces fraud risks associated with lost or stolen physical cards.
11. The method of claim 1 , wherein the current mobile subscriber identifier associated with the mobile telephone number comprises an identifier of a SIM card included in the mobile telephone having the associated mobile telephone number.
This invention relates to mobile telecommunications, specifically to methods for managing mobile subscriber identifiers in a network. The problem addressed is the need to accurately associate a mobile telephone number with the correct subscriber identity module (SIM) card, particularly in scenarios where multiple SIM cards or mobile devices may be involved. The invention provides a solution by using a current mobile subscriber identifier, such as a SIM card identifier, to ensure proper routing and service provisioning for the associated mobile telephone number. The method involves determining the current mobile subscriber identifier linked to a mobile telephone number, which may include querying a network database or retrieving the identifier from the SIM card itself. This identifier is then used to authenticate the subscriber, verify service eligibility, or facilitate seamless handoffs between devices or networks. The solution improves reliability in subscriber identification, reduces errors in service provisioning, and enhances security by ensuring that only authorized devices with valid SIM cards can access network services. The invention is particularly useful in environments where mobile devices frequently switch SIM cards or where multiple devices share the same telephone number.
12. The method of claim 11 , wherein the identifier of the SIM card comprises an IMSI.
A system and method for securely managing mobile device authentication involves using a subscriber identity module (SIM) card to authenticate a mobile device with a network. The SIM card stores an identifier, such as an International Mobile Subscriber Identity (IMSI), which is used to verify the device's access rights. The method includes generating an authentication request containing the SIM card's identifier, transmitting this request to a network server, and receiving an authentication response. The response may include a challenge or a cryptographic key to establish a secure communication session. The system ensures that only authorized devices with valid SIM cards can access network services, preventing unauthorized use. The authentication process may involve additional security measures, such as encryption or digital signatures, to protect the transmitted data. The method is particularly useful in mobile networks where secure and efficient authentication is critical for maintaining service integrity and user privacy. The use of the IMSI as an identifier ensures compatibility with existing mobile network standards while providing a reliable means of device verification.
13. The method of claim 1 , wherein the request to issue a virtual card is made via a USSD message using the mobile subscriber's current mobile telephone.
This invention relates to a system for issuing virtual payment cards via mobile devices, addressing the need for secure, convenient access to financial services without requiring physical cards or internet connectivity. The method involves a user initiating a request to issue a virtual card through a USSD (Unstructured Supplementary Service Data) message sent from their mobile phone. USSD is a protocol that enables real-time, interactive communication between a mobile device and a service provider, even on basic phones without internet access. The system processes the USSD request by authenticating the user based on their mobile subscriber identity, ensuring security without additional credentials. Once authenticated, the system generates a virtual card linked to the user's financial account, with configurable spending limits, expiration dates, and merchant restrictions. The virtual card details, including a card number, CVV, and expiration date, are then transmitted back to the user via USSD or SMS, allowing immediate use for online or in-store transactions. This approach eliminates the need for physical cards, reduces fraud risks by enabling temporary or single-use virtual cards, and provides financial access to users with limited internet connectivity. The system may also support additional features like transaction history retrieval, card blocking, or balance inquiries via USSD, enhancing usability for mobile banking. The invention is particularly useful in regions with low internet penetration but widespread mobile network coverage.
14. The method of claim 13 , wherein the request to issue a virtual card made via USSD message is made using a password.
A system and method for issuing virtual payment cards via USSD (Unstructured Supplementary Service Data) messaging involves a mobile device user sending a request through a USSD interface to a financial institution's server. The request includes a password for authentication, ensuring secure access to the virtual card issuance process. The server processes the request, validates the user's credentials, and generates a virtual card with associated payment details. The virtual card is then transmitted back to the user's mobile device, where it can be stored and used for online or contactless transactions. This method eliminates the need for physical cards, reduces fraud risks through password protection, and provides a convenient, real-time way to access payment instruments via mobile devices. The system may also include additional security measures, such as one-time passwords (OTPs) or biometric verification, to further enhance transaction security. The virtual card can be linked to an existing bank account or a prepaid balance, allowing users to manage spending limits and track transactions digitally. This approach streamlines financial services by leveraging mobile technology, making virtual card issuance faster and more accessible.
15. A method of issuing a virtual credit or debit card for a utility subscriber comprising: performing the following operations using one or more computing systems: receiving a request to issue a virtual credit or debit card for the utility subscriber and a current account number for the utility subscriber; querying a utility provider for a current utility subscriber identifier associated with the current account number for the utility subscriber; querying for a database entry created via a registration process for the utility subscriber including the previous utility subscriber identifier associated with the utility account of the utility subscriber at the time of utility subscriber registration; and comparing at least the current utility subscriber identifier and the previous utility subscriber identifier to authenticate the utility subscriber before issuing the virtual credit or debit card.
This invention relates to a method for issuing virtual credit or debit cards to utility subscribers, addressing the need for secure authentication before granting financial access. The method involves verifying the subscriber's identity by cross-referencing current and historical utility account identifiers. A computing system receives a request to issue a virtual card, along with the subscriber's current account number. The system then queries the utility provider to obtain the current utility subscriber identifier linked to that account. Additionally, the system retrieves a database entry created during the subscriber's initial registration, which includes a previous utility subscriber identifier associated with the account at the time of registration. The method compares the current and previous identifiers to authenticate the subscriber's identity before proceeding with the virtual card issuance. This process ensures that only legitimate subscribers receive financial access, mitigating fraud risks. The system may also include steps to handle discrepancies between identifiers, such as updating records or flagging potential fraud. The method is designed to integrate with existing utility billing and financial systems, providing a seamless authentication workflow for virtual card issuance.
16. The method of claim 15 , and further comprising providing an expiration date and security code for the virtual card.
A system and method for managing virtual payment cards involves generating a virtual card with a unique card number, expiration date, and security code. The virtual card is linked to a user's account and can be used for online or in-store transactions. The system allows users to create, modify, or delete virtual cards, set spending limits, and track transaction history. The virtual card can be used for one-time payments or recurring transactions. The expiration date and security code ensure security and control over the virtual card's usage. The system may also include fraud detection mechanisms to monitor and prevent unauthorized transactions. The virtual card can be accessed via a mobile application or web interface, allowing users to manage their cards conveniently. The method ensures secure and flexible payment options while providing users with control over their spending.
17. The method of claim 15 , wherein the virtual card is issued for a particular transaction.
**Technical Summary for Prior Art Search** This invention relates to virtual payment cards, specifically systems for issuing and managing virtual cards for specific transactions. The technology addresses the need for secure, single-use payment methods that reduce fraud and unauthorized transactions by limiting card usage to a predefined transaction or merchant. The method involves generating a virtual card linked to a user's primary payment account but restricted to a particular transaction. The virtual card is issued with transaction-specific details, such as a unique card number, expiration date, and spending limit, ensuring it cannot be used for unauthorized purchases. The system may also include fraud detection mechanisms, such as real-time monitoring of transaction patterns, to further enhance security. The virtual card is provisioned to a digital wallet or payment platform, allowing the user to complete the transaction without exposing their primary account details. After the transaction is completed or expires, the virtual card becomes invalid, preventing reuse. This approach mitigates risks associated with stolen or compromised card information while maintaining convenience for users. The invention may also include additional features, such as dynamic card number generation, merchant-specific restrictions, and integration with mobile payment apps, to provide a seamless and secure payment experience. The system is designed to work across various payment networks and devices, ensuring broad compatibility.
18. The method of claim 15 , wherein the virtual card is issued for a particular merchant.
A system and method for issuing and managing virtual payment cards, particularly for use with specific merchants. The technology addresses the need for secure, merchant-specific payment solutions that reduce fraud and improve transaction efficiency. The method involves generating a virtual card linked to a user's primary payment account, where the virtual card is uniquely associated with a particular merchant. This association ensures that the virtual card can only be used at the designated merchant, enhancing security by limiting exposure of the primary account details. The virtual card may include additional features such as spending limits, expiration dates, or transaction restrictions tailored to the merchant's requirements. The system dynamically generates and provisions the virtual card to the user's digital wallet or payment application, allowing seamless integration with existing payment infrastructure. The method also includes monitoring transactions to detect and prevent unauthorized use, with real-time alerts and fraud detection mechanisms. By restricting virtual card usage to specific merchants, the system minimizes the risk of fraudulent transactions and provides users with greater control over their payment activities. The solution is particularly useful for online and in-store purchases, subscription services, and recurring payments, where merchant-specific payment instruments enhance security and convenience.
19. The method of claim 15 , wherein the merchant comprises a trusted merchant.
A method for secure digital transactions involves a system where a merchant, identified as a trusted merchant, facilitates the exchange of digital assets or services between parties. The trusted merchant acts as an intermediary to verify the authenticity and integrity of the transaction, ensuring that both the buyer and seller can confidently engage in the exchange. This method addresses the problem of trust and security in digital transactions, where parties may be uncertain about the legitimacy of the other party or the transaction itself. By involving a trusted merchant, the system reduces the risk of fraud, ensures compliance with regulatory standards, and provides a reliable framework for conducting transactions. The trusted merchant may employ various verification techniques, such as digital signatures, encryption, or identity authentication, to validate the transaction. Additionally, the merchant may maintain records of the transaction for auditing and dispute resolution purposes. This approach enhances trust in digital transactions, making it suitable for applications in e-commerce, financial services, and other industries where secure and verifiable exchanges are essential. The method is particularly useful in environments where direct trust between parties is lacking, providing a third-party validation mechanism to ensure the integrity of the transaction.
20. The method of claim 15 , wherein the request to issue a virtual card is made via an SMS message using the utility subscriber's current mobile telephone.
A system and method for issuing virtual payment cards via mobile devices addresses the need for secure, convenient access to financial services without requiring physical cards. The invention enables users to request and receive virtual card details through their mobile phones, eliminating the need for in-person visits or physical card issuance. The virtual card can be used for online or contactless transactions, providing flexibility and security. The method involves a user submitting a request to issue a virtual card via a mobile device, such as through an SMS message. The system verifies the user's identity and account status before generating a virtual card with unique details, including a card number, expiration date, and security code. The virtual card details are then securely transmitted to the user's mobile device, where they can be stored or used for transactions. The system may also allow users to manage multiple virtual cards, set spending limits, or deactivate cards as needed. This approach enhances financial accessibility by leveraging existing mobile infrastructure, reducing fraud risks associated with physical cards, and providing users with immediate access to payment capabilities. The method ensures secure authentication and transaction processing while maintaining compliance with financial regulations.
21. The method of claim 15 , wherein the request to issue a virtual card is made via a USSD message using the utility subscriber's current mobile telephone.
A system and method for issuing virtual payment cards via mobile devices addresses the need for secure, convenient access to financial services without requiring physical cards or complex authentication processes. The invention enables a utility subscriber to request a virtual card through a USSD (Unstructured Supplementary Service Data) message sent from their current mobile telephone. The system processes the request, verifies the subscriber's identity, and generates a virtual card linked to the subscriber's account. The virtual card can be used for online or mobile transactions, providing a secure and temporary payment option. The method ensures real-time issuance, reducing delays and enhancing user experience. The system may also include fraud detection mechanisms to monitor transactions and prevent unauthorized use. This approach leverages existing mobile infrastructure, making financial services more accessible, especially in regions with limited banking access. The virtual card can be configured with spending limits, expiration dates, or single-use restrictions to enhance security and control. The invention integrates with mobile network operators and financial institutions to streamline the issuance process, ensuring seamless interoperability. By utilizing USSD, the method works on basic mobile devices without requiring internet connectivity, broadening its applicability. The system may also support multiple virtual cards per subscriber, allowing for segmented spending or budget management. Overall, the invention provides a scalable, secure, and user-friendly solution for virtual card issuance via mobile telephony.
22. The method of claim 21 , wherein the request to issue a virtual card made via USSD message is made using a password.
A system and method for issuing virtual payment cards via USSD (Unstructured Supplementary Service Data) messaging involves a mobile device user initiating a request through a USSD interface to generate a virtual card linked to their financial account. The system processes the request, validates the user's identity, and issues a virtual card with a unique card number, expiration date, and security code. The virtual card can be used for online or contactless transactions, with transaction limits and controls configurable by the user or financial institution. The system may also support additional security measures, such as multi-factor authentication or biometric verification, to authorize the virtual card issuance. In this specific implementation, the USSD request to issue the virtual card is secured by requiring the user to enter a password, ensuring that only authorized individuals can generate new virtual cards. The system may further include features like real-time transaction monitoring, spending controls, and the ability to temporarily freeze or deactivate the virtual card. This approach enhances security and convenience for users who need temporary or disposable payment methods for online transactions.
Unknown
October 1, 2019
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